Georgia  |  Personal Injury

I am told that in Georgia an insurance company has the right to offer only 80% of the total appraisal for a settlement and I have to accept even though the other driver was given a ticket for failure to yield the right of way.The only other option I was given was to pay my $1000 deductable and my insurance co would subrogate for me.With 20% being $230.00 that is not an appealing option. Do I have any other options where I can collect all my money? Is small claims court worth the time?